Retirement savings gap
Estimate the gap between what you're saving and what you'll need, based on your current contributions and target retirement income.
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Financial planners typically recommend replacing 75% of your pre-retirement income. Your expenses may be lower in retirement (no commute, paid-off bond) but healthcare costs often rise.
Include your pension fund, provident fund, RA, and any preservation funds.
Your contribution plus any employer match.
Real return (after inflation). For example, 5% here ≈ 10–11% nominal at typical SA inflation. Balanced funds typically return 4–6% real over the long term.
Your retirement funding
30% fundedProjections use real (inflation-adjusted) returns and a 4% sustainable withdrawal rate. These are estimates — speak to a qualified financial adviser for personalised advice.
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Estimates use a 4% sustainable withdrawal rate and real (inflation-adjusted) returns. For planning only — speak to a qualified financial adviser before making decisions.